Money

The population today spend the majority of their life working hard for their wages and it can be a struggle to spend money on household things that aren’t necessarily broken but should be replaced. Money tends to be set aside for immediate needs such as household bills, groceries, gas, insurances, etc. But what if you are starting to experience side effects from not replacing certain big items such as your mattress? Maybe your mattress is only a decade old and it isn’t ripped or sunken to the bed frame yet. It is easy to justify certain things when it is your wallet that is taking the hit.

Thanks to today’s technology and innovative shopping options, consumers are no longer limited to what a physical store location has to offer. Between discount retailers’ online and exclusive online offers, it is easy to purchase a new and improved mattress at a portion of the cost.

Throughout this post, we will take a look at the pros of buying a new mattress online and the potential cons associated with it as well!

How to Know it’s Time to Purchase a New Mattress

The general rule of thumb that has been tried and tested by consumers is as follows: a mattress is only worthy for approximately seven to 10 years. Regardless of the visual or physical condition of the mattress, the materials used in the construction tend to break down in quality and support around this time. If you find yourself waking up feeling less than stellar or full of aches and random pains that pass throughout the day, this can also be a sign that your mattress is not giving you the support your body needs for a relaxing, restful sleep.

Allergens and bacteria can also penetrate through the mattress and leave no visible evidence of their arrival, creating health problems that did not exist before. If your mattress is ripped or stained, sunken in the middle, or has lost the “cushiony” feel, it is time to purchase a new mattress.

Research Your Mattress

In past generations, there has been only one style of mattress and that was the innerspring coil mattress/box spring combination. Today, however, there are numerous styles and types to choose from. From the classic innerspring mattress to the memory foam mattress to an airbed style mattress (not the kind you take camping), the options are unlimited. One mattress that is surging in popularity has been the loom and leaf mattress, a high-end memory foam mattress that is constructed of memory foam of top quality materials, that doesn’t tend to lose its contouring feel even after some time has passed. To learn more about this style of mattress and discover reviews on all aspects from the sinking effect to a temperature test, head over to thesleepjudge.com where all questions are answered!

Most professionals will recommend you research all the styles of mattresses out there, so you are more informed on the style that will benefit you and your body. Check with your doctor or medical professional if you suffer from any existing health issues that can affect your sleep. Read reviews and once you have determined the mattress you want to purchase, head over to a store, physically test the mattress and then check to see if the mattress is available for purchase online or if a cheaper mattress offered through online retailers.

Know When to Shop

If you can wait until the “right” timeframe in which to purchase a mattress, you increase your savings by upwards of 30% on top of already discounted mattresses. Most experts will agree the right time to shop for bigger purchases are near a major holiday (think Labor Day, Black Friday, Christmas, etc.) when people are in full shopping mode. When the New Year has arrived, things seemed to be discounted as well to make room for the newer models of items. Many online retailers will also discount their mattresses further and offer incentives such as free pillows or similar bedroom apparel.

The Cons of Buying Online

As with everything, there are some less than desirable aspects of purchasing your mattress online. Unless there is a store located nearby, you are unsure how the mattress is actually going to feel until it is delivered. Shipping costs for a heavier, bigger item can also be pricey so make sure you research the different options for shipping offered.

Returns and refunds can also be tricky when purchasing online, so make sure to review the company’s policy regarding these situations. Read reviews from consumers on how the company handles transactions and check to see if they offer a trial period for testing the new mattress. Double check that your refund will not be reduced by the return fee to the store.

Bargaining with a seller is non-existent online whereas in store you can sometimes manage to talk your way into a better deal.

Conclusion

Saving money can be easy when a purchase isn’t an impulse buy, but instead a well-thought out process. People want to get the best bang for their buck, as they should, but quality should not have to be sacrificed in place of saving money. If you sit down, research different mattresses and their cost and use this knowledge to make a smart purchase, you might find yourself with enough money leftover in your budget for that duvet set you’ve been eyeing!

It is an amazing experience to live a debt-free life, and it will help you in moving around without stress and getting the experience you deserve. Many people think that they can take loans and since it is not difficult to get a loan, this should keep getting loans one after another. Yes, this is the mentality you’re following, let me tell you that you’re actually falling into a big trap and it will not be easy for you to get out of it. Many people think that loans can have a considerable impact on the life and the impact will be positive. However, this is not true since you’re not making constant efforts to live your life to the fullest.

In this post, let us look at some of the reasons because of which living without loans will help you in living a satisfied life.

1. There is no stress about anything

With loans, there are many things to be kept in mind, and we do not focus on the important ones while living a stressful life. Stress is one of your biggest enemies, and you should make it a point to get yourself out of the stress shown as soon as possible. One of the best ways in which you can get rid of stress is by simply looking at the possibilities you have and find the possible solutions at the earliest.

2. Getting rid of unnecessary responsibilities and assets

Let’s assume that you have an additional house that is not really used by you at regular intervals. On the other hand, you might have loans to your name. And this case, you can consider the option to sell house fast and get rid of unnecessary responsibilities at the earliest. This is important because the asset is not really contributing to your daily routine and you can always consider using it to get tired of unnecessary responsibilities that are making your life miserable.

3. It helps you do what you want to do

With so many things to do in this world, we stick to the basics because we do not have any other option. However, there are right things that can be done in this life, and we shouldn’t be wasting it by thinking of loans all the time. It will not help us in any way, and so we should consider the option of satisfying ourselves with things we should be doing instead of things you’ll be forced to do. With loans, you’ll be forced to do things, and without loans, you’ll be in a position to do what you want to do.

Are you staying away from credit cards because you fear rejection? You can check whether you qualify for a credit card without further affecting your credit score. Some banks allow you to check whether you pre-qualify for credit cards before you decide to apply.

The information you need to fill in includes your name and address, as well as the last four digits of your social security number. Your credit score will not be affected by using this service which is great if it is already bad.

What Does Pre-qualification Mean?

This service utilizes a soft credit check, meaning that it will not be recorded in your report. A bank can also create a pre-qualified list by purchasing marketing lists each month from a credit bureau. If you meet its lending criteria, the bank will buy your name.

A soft inquiry will give the bank some basic information about you, including your credit score. Based on the information provided by the credit bureau, the lending institution can determine whether you will pre-qualify for a credit card. Manypre approved credit card offers exist; it is just a matter of finding the right one for your needs.

If you are not pre-qualified, it does not necessarily mean that your credit card application will be rejected. You might get an approval when the bank pulls your full credit report. On the other hand, pre-qualification does not mean that your credit card application will be approved either. It still might get rejected.

Why would you be rejected after being pre-qualified?

– When your full credit report is pulled, the bank will obtain additional data. This means that the additional data could hurt your chances of getting a credit card.

– When you complete a credit card application, you have to provide more information, including your salary and employment. If your salary is too low or you are unemployed, your application can be rejected.

– Your information can change between the soft inquiry and your credit card application. This means that even if you pre-qualified a week ago, missing a payment will change your data.

The bank uses the most recent information to make decisions.

Consider a Personal Loan

When you opt for a personal loan, there will be no hard inquiry and your rates will be lower. A number of internet-based personal loan companies will let you see whether you are approved by doing a soft credit check. Personal loans have a lower interest rate than a business credit card.

Applying Without a Pre-qualification

One hard credit inquiry will take at least 5-10 points off your credit. You should pay your bills on time and keep your debts at a manageable level if you want to have a hard credit score conducted. The only way to know whether you will be given a credit card is by applying.

Pros of Pre-qualified Credit Cards

When you get pre-qualified for a credit card, the more likely you are to get the best offer. After all, pre-qualification is a marketing tactic that lenders use to get you on board.

As soon as you start the credit card application process, lenders will perform a hard credit check on your report. Although this is ok when done occasionally, it will negatively affect your score when frequently done. However, with a pre-qualified credit card, the lender has already done a soft credit check, which does not affect your credit score at all.